Banking & Economy

RBI cancels licenses of Malkapur Urban Co-operative

Bank Ltd & Shushruti Souharda Sahakara Bank Niyamita

Malkapur Urban Co-operative Shushruti Souharda Sahakara

Bank Ltd., Buldhana in Bank Niyamita, Bengaluru,
Maharashtra Karnataka

these two co-operative banks ceased to carry on banking business

as defined in Section 5(b) read with Section 56 of the Banking
Regulation (BR) Act, 1949 w.e.f. July 5, 2023

Flipkart with Axis Bank Launches This loan facility allows individuals to
Personal Loans to Attract New Customers obtain up to Rs 5 lakh

Hong Kong and Shanghai Banking Corporation(HSBC)

Limited relaunches private banking in India
The private banking business serves high-net-worth (HNW) and ultra-high-net-worth (UHNW)
individuals and families with investable assets of more than $2 million
 Kapil Kathpal
Karnataka Bank opens technology ‘Technology & Digital Hub’ in
and business hub in Bengaluru Bengaluru.

ADB Provides $200 Million Additional Funding

for Ongoing Urban Development Project in India

in funding for the ongoing Rajasthan Secondary Towns Development Sector Project in India.

PhonePe Launched One Stop to accept payments through Debit Cards, Credit Cards and
POS Solution for its Merchants UPI, with a simplified settlement experience

PNB launches its virtual branch in the Metaverse

IBA sets up 5-member group to implement committee chaired by Sudarshan Sen, a

RBI committee’s recommendations on ARCs former Executive Director of RBI.
 Kapil Kathpal
Members of the committee:
• Ajit Kumar
• Hari Hara Mishra
• Mythili Balasubramanian
• Dharmendra Pali
• Anupama Ranade
Piramal Finance’s 1st all-women branch ‘Maitreyi’
opens at Tripunithura near Kochi, Kerala

This is part of strategic expansion and the company has identified four more cities
such as Jaipur, Mumbai, Mohali and New Delhi to open branches shortly

RBI rejects 3 applications for setting The applicants who were rejected are
up small finance banks (SFBs)

Akhil Kumar Gupta, Cosmea Financial Holdings Private Limited, and West End Housing
Finance Limited.
 Kapil Kathpal
RBI allows Card Network Portability from Oct 1, 2023
‘Draft Circular – Arrangements with Card Networks for issue of Debit, Credit and
Prepaid Cards’ empowering the card users in India with Card network portability w.e.f.
October 1st, 2023

This decision by RBI has been taken in exercise of its powers conferred under Section 18
read with Section 10(2) of the Payment and Settlement Systems Act, 2007

Card issuers are required to issue cards on multiple card networks

Bajaj Allianz General Insurance sets Guinness World Records in Pune,

title at the first-ever General Insurance Festival of India Maharashtra.

There was a record turnout of 5235 attendees who contributed to creating history in
the insurance industry worldwide
 Kapil Kathpal
Goldman Sachs says India will overtake the U.S. to
become the world’s second-largest economy by 2075

Currently, India is the world’s fifth-largest economy, behind Germany, Japan,

China and the U.S

3 Multilateral Development Banks Have Pledged

upto USD 27 bn for India’s Green Growth

the European Investment Bank

The Asian Development Bank Word Bank
(EIB),

Euro(€) 1 billion to develop USD 20-25 billion over 5 USD 1.5 billion to aid
a large-scale hydrogen years to support India’s green India’s low-carbon
industry hub growth transition journey.

India ranked 4th globally in terms of installed renewable energy capacity and
achieving cost-effective solar and wind power generation
IDFC FIRST Bank, Club Vistara, & Mastercard Kapil Kathpal
has Introduced Travel Credit Card

to introduce a travel credit card that aims to enhance travel experiences and
lifestyle-related offers to cardholders.

Citi Commercial Bank launches ‘CitiDirect Commercial in the United States of

Banking’ for Enhanced Digital Banking Service America.

CCB plans to introduce it across key global financial centres including Hong Kong,
India, Singapore, and the U.K in the second half of 2023

India & Bangladesh Launch Trade

Transactions in Rupees to Lower Dollar Usage
 MoUs & Agreements
DGCA signed MoU with EASA for Unmanned
Aircraft Systems & Innovative Air Mobility

Directorate General of Civil Aviation European Union Aviation Safety

(DGCA) Agency (EASA)

First IIT campus outside India to

be set up in Zanzibar, Tanzania

University of Jaffna & IIT Madras sign to enhance cross-cultural learning experiences
MoU for promote research initiatives and promote academic diversity

THDCIL Signs MoU with NHAI for in New Delhi, to provide technical services as the
Technical Services for Road Safety technical consultant

India and Panama agree on electoral cooperation

 Kapil Kathpal
India, Singapore Have Extended MoU to Co-operate
on Public Administration Till ‘2028

National Water Mission Signs MoU with Indian

Plumbing Association To Improve Water Use Efficiency

towards achieving a water-positive India by improving water use efficiency

Gujarat inks six MoUs for mangrove for the mangrove plantation over 3000 hectares of
land, under the MISHTI (Mangrove Initiative for
plantation under MISHTI scheme Shoreline Habitats & Tangible Incomes) scheme.

6 MoU’s were signed with:

has pledged to support mangrove plantation in 40 ha
• Digvijay Cement Limited in 250 ha
• Nayara Energy Limited in 100 ha
• RSPL Limited
• Tata Chemicals Society for Rural Development in 100 ha
• Cairn Oil and Gas (Vedanta Limited) in 1000 ha
• Reliance Industries Limited (RIL)
in 1416 ha
 Kapil Kathpal
MoD & HAL sign Rs 458 crore
contract for two Dornier Aircraft

L&T and Spain’s Navantia sign an ‘Teaming

Agreement to build submarines for Indian Navy

in Delhi to jointly bid for a Rs. 43,000-crore project to build 6 advanced diesel-electric
submarines for the Indian Navy.

Government of Meghalaya & NTPC signed MoU to enhance

power and Clean Energy Generation in Meghalaya

To invest more than USD 1.5 billion over the next

Gogoro & Maharashtra Govt Made an 8 years to manufacture Electric Vehicles, smart
MoU to Set Up Smart Battery Ecosystem battery packs and battery swap stations across
Maharashtra
In the 1st phase of the eight-year project, Gogoro will
invest more than USD 500 million for manufacturing
vehicles and another USD 1 billion for smart battery
infrastructure deployment
 Kapil Kathpal
at IIM (Indian Institute of Management)
IFSCA inks MoU with IIML -EIC Lucknow EIC, Noida campus in Uttar
Pradesh

This MoU aims to establish a framework for collaboration and mutual understanding between
both organizations for supporting and facilitating FinTech entities.
 National News
MHA launched Scheme for Expansion and Modernization
of Fire Services in the States with outlay of Rs 5000 crore

out of this, Rs. 500 crore is kept for to

The total outlay of the
incentivize the States on the basis of their
scheme is Rs 5000 crore
legal and infrastructure-based reforms.

About Scheme for Expansion and Modernization of Fire Services in the States:

Launched by Union Minister Amit Shah, MHA and Ministry of

Cooperation
Objective To expand and modernize Fire Services in the States with
a view that activities for strengthening of fire services at
the State-level
Funding ● The state government will contribute 25% of the total
cost from their budgetary resources.

● The North-Eastern and Himalayan (NEH) States shall

contribute only 10% of the total cost of such projects.
 will be tabled in Parliament in the Kapil Kathpal
Cabinet approves draft Digital Personal upcoming Monsoon session,
Data Protection (DPDP) Bill, 2022 starting from July 20 to August
11, 2023

The Bill frames out the rights and duties

of the citizen (Digital Nagrik) and the Penalites Included:
obligations to use collected data lawfully
of the data fiduciary Penalty Amount Reason
Up to Rs 250 To prevent a personal data breach
crore
It is based on the following
Up to Rs 200 Failure to notify the Board and affected Data
six principles of the data economy:
crore Principals in the event of a personal data breach
1. Collection and usage of the personal Up to Rs 200 Non-fulfilment of additional obligations in relation
data of citizens of India. crore to Children
2. Data collection exercise
Up to Rs 10 crore Non-fulfilment of additional obligations of
3. Data minimization
Significant Data Fiduciary under sections 16 of
4. Data Protection and Accountability
the Ac
5. Accuracy of data
6. Rules regarding reporting a data Up to Rs 50 crore Non-compliance with provisions of this Act other
breach than those listed in (1) to (5) and any rule
 Kapil Kathpal
IFFCO to procure 2500 agricultural It is expected that one agri-drone would be
able to cover 20 acres per day.
drones to spray fertilizers

Taipei Economic and Cultural Center Taipei Economic and Cultural Center (TECC) in
to come up in Mumbai: Taiwan Mumbai

At present, Taiwan has TECCs in Delhi and Chennai.

Hewlett Packard to manufacture

high-end servers in India

Hewlett Packard Enterprise (HPE), of America VVDN Technologies, India

to begin manufacturing some of its high-volume servers in India

Six seismogram towers set up in By National Centre of Seismology (NCS) under the
Joshimath to monitor land sinking Ministry of Earth Sciences
 Kapil Kathpal
J&K Govt increases retirement Manoj Sinha, raised the retirement age of
age for university professors to 65 University Professors from 62 to 65 years.

The bill aims to elevate the punishment for

Rajasthan government aims to
such offenses from 10 years to life
bring bill against paper leaks imprisonment

Amit Shah lays foundation stone of the country’s

first cooperative-run Sainik School in Gujarat

The Sainik School will be established at Boriavi village, 11 kilometers away from Mehsana
city by the leading cooperative DudhSagar Dairy at the cost of Rs.75 crores.

3rd Edition of NeSDA: DARGP V. Srinivas, Secretary, Department of Administrative Reforms

launched portal for NeSDA 2023 and Public Grievances (DARPG)

It aims to analyse the depth and effectiveness of

launched the 3rd edition of the National e-Governance
existing e-Governance service delivery
Service Delivery Assessment (NeSDA 2023) portal.
mechanisms from the citizen’s perspective
 Framework for NeSDA 2023 is elaborated under 3 dimensions: Kapil Kathpal

2. Mandatory Services Coverage:

1. Portals Coverage:
• The NeSDA framework covers G2C (Government
to Government) and G2B (Government to
• All Government Portals assessed
Business) services across 7 sectors
during NeSDA are classified into two
categories viz., (i) State, UT, Central
• A total of 59 mandatory services will be assessed
Ministry Portal and (ii) State, UT,
for every State & UT and 37 services will be
Central Ministry Services Portals
assessed for Central Ministries.

3. Assessment Parameters:

• The 2023 NeSDA framework proposed to include three

additional assessment parameters: Open Government
Data, E-Participation, and Leveraging Emerging
Technologies, to make the framework more robust with
leading global digital government trends
 Kapil Kathpal
PM Modi presents Indian AI-based It can transcend language barriers by
language platform ‘Bhashini’ at SCO translating in-real time

At present, the official languages of SCO are Mandarin and Russian. India is proposing
to include English as the official language of the group

Defence Minister Rajnath Singh launched

NCC Integrated Software for Cadets
During the event, NCC signed a MoU with the State Bank of India (SBI) to open zero
balance accounts of all NCC Cadets.

under the “Pehli Udaan” scheme, SBI savings account for minors.

Ministry of Education releases report on Performance The new PGI 2.0 structure
Grading Index 2.0 for States/UTs for 2021-22 covers 73 indicators

It comprises 1000 points across 73 indicators grouped into 2 categories viz., Outcomes,
Governance Management.
 further divided into 6 domains, viz., Learning Outcomes, Access, Infrastructure & Kapil Kathpal
Facilities, Equity, Governance Process & Teachers Education and Training

State/UT Score Grade

Chandigarh 659 Prachesta-2 (2nd highest grade)

Punjab 647.4 Prachesta-2

Delhi 636.2 Prachesta-3

Kerala 609.7 Prachesta-3

Gujarat 599 Prachesta-3

Grades No of states/UTs States/ UTs attained the respective Grades

Daksh (941-1000) NIL None
Utkarsh (881-940) NIL None
Atti–Uttam (821- 880) NIL None
Uttam (761-820) NIL None
Prachesta– 1 (701-760) NIL None
Prachesta – 2 (641-700) 2 Chandigarh, Punjab
Prachesta – 3 (581-640) 6 Gujarat, Kerala, Maharashtra, Delhi, Puducherry, Tamil Nadu (TN)
 Kapil Kathpal
Ministry of Finance amends Small Saving Under this the Non-
Rules rules, allows NRIs as Nominees resident Indians
(NRIs) are made
eligible to be
The rule covers various schemes under the Government nominated as
Savings Promotion Act, 1873, such as Public Provident nominees for
Fund, National Savings Certificate, Sukanya Samriddhi government saving
Yojana, Senior Citizens Savings Scheme etc schemes

For amounts exceeding Rs 5 lakh,

For amounts up to Rs 5 lakh without a
payment is based on the will or
nominee, specific documents must be
letter of succession, along with other
provided within six months.
necessary documents

AIM and Bayer launches Nationwide under Atal Tinkering labs (ATL), at Bayer’s
ATL Industry Visit for students manufacturing facility in Vapi, Gujarat

4 Indian Origin Women features on Forbes’ The total assets of these four women are
America’s Richest Self-Made Women 2023 $ 4.06 billion
 Kapil Kathpal

Rank of top 3 and 4 Indian origin women in Forbes’ America’s Richest

Self-Made Women 2023

Rank Name
1 Diane Hendrix ($15 billion)
2 Judy Love & family
3 Judy Faulkner
Rank of India origin women
15 Jayshree Ullal ($2.4 billion)
25 Neerja Sethi ($990 million)
50 Neha Narkhede ($520 million)
77 Indra Nooyi ($350 million)

Department of Telecommunications
(DoT) Launches Bharat Internet Utsav
 Kapil Kathpal
Govt issued draft notification to make it mandatory to have air conditioning
system in the cabin of trucks to be manufactured from January 01, 2025

It will be mandatory to install air conditioning systems in the cabin of motor

vehicles belonging to the N-2 and N-3 categories.

Product Design Centre inaugurated in Kolkata and Grain-Ex Kolkata, West

facility launched under MeitY supported projects Bengal.

‘Grain-Ex‘, an appearance based detection system, through machine vision technology

for pulses developed under ‘National Programme on Electronics and Information and
Communication Technology (ICT) applications in Agriculture and Environment (AgriEnIcs)’.

DoT Secretary K Rajaraman launches developed by Telecommunication Engineering

‘Standards Coordination Portal’ Centre (TEC) under the DoT.
 Tele Mental Health Assistance and State/UT News
J&K launched India’s first Tele-MANAS Networking Across States
chatbot for people in mental distress (MANAS) chatbot in the Union
Territory.

Objective:- to enhance mental health support for distressed people by initiating an

instant conversation with those who are in need

aim to recognise all rights under the Scheduled

Odisha Government launches Mo Tribes and Other Traditional Forest Dwellers
Jungle Jami Yojana for forest Dwellers (Recognition of Forest Rights Act)(FRA), 2006 in
the next two years.

Forest Rights Cells will be constituted at the tehsil and district level for the implementation
of FRA, 2006.

Forests for monkeys to come up in Lucknow

The project is expected to cost around Rs 10 crore

 Kapil Kathpal
Haryana restaurants can now remain open 24X7

Allahabad University to now offer languages—French, Russian and

PhD in three foreign languages German.
 Ranking & Report
UNCTAD’s World Investment Report 2023:
India and ASEAN top recipients of FDI

World Investment Report

Published by:- United Nations Conference on Trade and
2023(WIR 2023): Investing in
Development (UNCTAD)
Sustainable Energy for All

The 2023 report stated that the global flow of FDI declined by 12% to USD 1.3 trillion in 2022.

In 2022, FDI flows to developed countries as a

The USA topped the list of top 20 host economies (FDI
group fell by 37% largely in Europe and North
inflow) for 2022 with USD 285 billion
America

China, the 2nd largest FDI recipient in the world, Foreign Direct Investment(FDI) in Asia’s developing
witnessed an increase of 5%. countries remained unchanged at USD 662 billion.

Asia accounted for more than 50%

of the global FDI
 Kapil Kathpal
India and Association of Southeast Asian Nations (ASEAN) were the
top recipients , with an increase of 10% and 5% respectively

India was among the five economies

The four other economies were China, Singapore, Hong
that accounted for almost 80 percent
Kong and the United Arab Emirates(UAE).
of the FDI flows to the region

In South Asia, foreign direct investment (FDI) into India increased by 10 percent,
reaching USD 49 billion
{Download Crossword Current Affairs Application from Google Play Store}
 Salvage and the Explosive Defence News
SALVEX: 7th Edition of IN-USN Salvage Ordnance Disposal (EOD)
and EOD Exercise held in Kerala exercise, SALVEX was conducted
in Kochi, Kerala.

The first-ever IN- USN SALVEX was conducted in 2005

Indian Navy Conducts 7th Japan-India in Visakhapatnam, Andhra Pradesh.

Maritime Exercise 2023

The exercise saw the participation of Indian Naval Ship (INS) Delhi as well as INS Kamorta

Indian Naval Air Squadron 324

in Visakhapatnam
celebrates first anniversary at INS Dega

India and US jointly conduct ‘Operation

Broader Sword’ to combat illegal drugs
 Kapil Kathpal
L&T and US Navy signed a Master Ship
Repair Agreement for voyage repairs

The USNS Salvor is the Military Sealift Command’s rescue and salvage ship, which
arrived at the shipyard for voyage repairs.
 Kapil Kathpal
SpaceX Gets license from Mongolia to offer
high-speed internet via Starlink Satellites SCIENCE & TECH
 Awards & Honours
AIFF Awards 2022-23

AIFF Awards 2022-23 Winners

AIFF Men’s Emerging Player of the year 2022-23 Akash Mishra

AIFF Women’s Emerging Player of the year 2022-23 Shilji Shaji
AIFF’s Men’s Coach of the Year 2022-23 Clifford Miranda
AIFF’sWomen’s Coach of the Year 2022-23 Priya Parathi Valappil
AIFF Men’s Footballer of the year 2022-2023 Lallianzuala Chhangte
AIFF Women’s Footballer of the Year 2022-23 for 2nd Manisha Kalyan
time

MoHFW won Kreta Vikreta Gaurav

Samman Samaroh 2023 award
 Kapil Kathpal
An elephant image shot has emerged Anamalai Tiger Reserve (ATR) in
Tamil Nadu has emerged as the
the winner at Drone Photo Awards winner of the Siena Drone Photo
Awards 2023
The photo was taken by will receive a
wildlife photographer cash prize of
Mathanraj S $10,000

IAU named Minor Planets after Aswin Sekhar, 1st

Indian meteor astronomer & 3 other Scientists

named Minor Planets after 4 Indians namely Aswin Sekhar, India’s prominent meteor astronomer
from Kerala, Ashok Kumar verma, an Indian astrophysicist, Kumar Venkataramani, an Indian
astronomer and Rutu parekh, planetary geologist from Gujarat.

This honour was conferred at the Asteroids, Comets, Meteors (ACM) Conference 2023,
held in Arizona, the United States of America

British National Award for director Shekhar Kapur for Best Director for 'What's Love
Got To Do With It'.
 Kapil Kathpal
Apart from Best Director, the film was also awarded Best British Film, Best Screenplay and
Best Supporting Actor

Coal India Limited received

‘The Rising Star Award’ by GeM
for the Asia Pacific(APAC)
Bajaj Allianz Life Insurance Wins Insurer Innovation
region at The World’s Digital
Award 2023 at the World’s Digital Insurance Awards Insurance Awards

34th International Biology Olympiad held at Al Ain, UAE

For the first time, all the students (4) representing India won the gold at the IBO.

The 35th IBO will be held in Astana, Kazakhstan in 2024

 The Winners from India Kapil Kathpal

Students City/ State

Dhruv Advani Bengaluru,

Karnataka

Ishan Kota,
Pednekar Rajasthan

Megh Chhabda Jalna,

Maharashtra

Rohit Panda Risali,

Chattisgarh
 The Netherlands men’s hockey team won the 4th Sports News
FIH Pro League 2022-23 edition by defeating Belgium in the finals.
/
the Netherlands became the first nation to win both the men’s and women’s FIH Hockey Pro
League titles in the same season (2022-2023).

Player of the match in the finals: Jip Janssen (The Netherlands)

India’s P.V. Sindhu lost to Japan’s Akane

Badminton: Lakshya Sen Wins Men’s
Yamaguchi in the Women’s Singles (semifinals) of
Singles Title in Canada Open 2023 Canada Open 2023

F1 British GP 2023

This marks his first ever British GP title and 6th consecutive F1 win of the 2023 season

World Archery Youth Championships 2023 Indian Archery team won 11 medals (6
Golds, 1 Silver, 4 Bronze) & secured 2nd
held in Limerick, Ireland position after South Korea
 Kapil Kathpal
IPL version of Impact Player rule
in Syed Mushtaq Ali T20 Trophy
Kapil Kathpal
 Kapil Kathpal
Facebook's Meta Launches
Social Network ‘Threads’ International

Iran joins SCO as its 9th Permanent Member;Kazakhstan

takes over SCO Presidency from India

Now, the number of SCO has increased to 9 viz. China, Russia, India, Iran, Pakistan,
Kazakhstan, Kyrgyzstan, Tajikistan, and Uzbekistan.

Netherlands to ban mobile phones from classrooms starting 1 January 2024

IMO sets 2050 as net zero target for the global shipping industry.

The IMO also agreed to reduce emissions by at least 20% by 2030, and by at least 70% by
2040.
 Kapil Kathpal
China released its first open-source
computer operating system – OpenKylin
 Kapil Kathpal
LIC Reduces 2% Stake in India Cements
Through Open Market Transactions ACQUISITIONS
& MERGERS
(LIC), has reduced its stake by 2% in India Cements Ltd from 5.87% to 3.83%.
 Summits & Conference
U20 Mayoral Summit begins in
Ahmedabad and Gandhinagar, Gujarat

Fourth edition of Space Economy

Leaders Meeting started in Bengaluru

Theme - ‘Towards a New Space ERA (Economy, Responsibility, Alliance)’.

Travel Agents Association of India

67th TAAI Conference begins in Colombo (TAAI)

Third World Hindu Conference organized in Bangkok

The theme is “Jayasya Aayatnam Dharmah”, meaning “dharma, the abode of victory”.

Third G20 Culture Working Group An exhibition titled “Woven Narratives” is being
meeting in Hampi, Karnataka organized as part of the 3rd G20 CWG Meeting
 Kapil Kathpal
National Fish Farmers Day Meet - 2023
concluded at Mahabalipuram
 Kapil Kathpal

Book Authors

Colours of devotion Anita Bharat Shah

Vajpayee: The Ascent of the Hindu Right Abhishek Choudhary
1924-77
 Kapil Kathpal

Obituaries News
Name Profession
Karuvattu Mana (K M ) Vasudevan literary illustrator , Kerala
Namboothiri
Luis Suarez Miramontes Former Spanish footballer
Nirmala Buch first and only woman chief secretary
of MP
 Appointment News

Name Appointed As
Aadhav Arjuna President of the Basketball Federation of India
Aditi Tatkare first woman minister in the Eknath Shinde govt.
Justice Sheo Kumar Singh-I NGT Acting Chairperson
QU Dongyu Director General of FAO of UN
Sreenivasa Reddy Google India’s Policy Head
Vishal Salvi Quick Heal Technologies Ltd new CEO
Shraddha Kapoor Asics India Private Limited
Rajkumar Upadhyay CEO of C-DoT(Centre for Development of
Telematics)
K Rajaraman Next Chairman of IFSCA
Shavkat Mirziyoyev President of Uzbekistan
Edgars Rinkevics Latvia’s 1st openly Gay President
Sheikh Talal Fahd Al Ahmad Al new President of the Olympic Council of Asia
Sabah (of Kuwait)
 Kapil Kathpal

Name Profession
Tamim Iqbal Bangladesh ODI Team Captain
Injeti Srinivas First Chairperson of IFSCA
Harsh Chauhan Chairman of National Commission for Scheduled
Tribes (NCST)
 Important Days
Day Date Theme
World Chocolate Day 07th July --------
Global forgiveness day 07th July --------
Global Energy Independence Day 10th July -------
UNESCO World Kiswahili 07th July Unleashing Kiswahili’s potential in the digital
Language Day era
World Population Day 11th July Unleashing the power of gender equality:
Uplifting the voices of women and girls to
unlock our world’s infinite possibilities
National Fish Farmers Day 10th July -----------
Malala Day 12th July --------
Paper Bag Day 12th July If You're 'Fantastic', Do Something 'Dramatic'
To Cut The 'Plastic', Use 'Paper Bags
International Rock Day 13th July ---------
International Non-binary People’s 14th July --------
Day
{Download Crossword Current Affairs Application from Google Play Store}
{Available on Crossword Current Affairs Application}
{Available on Crossword Current Affairs Application}